The banking giant has plans to modify 13,000 ATMs to accept near field communications (NFC) apps such as Apple Pay, Samsung Pay, Android Pay and Microsoft Wallet, TechCrunch reported. Around 5,000 ATMs can already accept NFC signals and they have been programmed to accepted Apple Pay, Android Pay and Samsung Pay.

Some retailers, such as Walmart and dollar store operators, might view Apple Pay as a niche product that only appeals to a small upper-income segment of the population. If you look at Apple Pay’s website, you see a multitude of high-end urban brands such as Whole Foods and Petco but a shortage of working-class retailers. Bloomingdales is present, but Kmart is nowhere to be seen.

It looks as if bitcoin could have a future in the real world, and that could be the most disruptive development yet. We may need to completely rethink our concept of money and our ideas of economics because of it.

Since most poor people have or could easily buy a smartphone, the government could simply disperse the aid to an app such as Venmo or Apple Pay. This would eliminate the paperwork, and it could be used to greatly reduce the bureaucracy.

Finding a store that takes Apple Pay may only be half the battle because a lot of banks don’t support the app yet. To make matters worse, banks appear to be very selective about which of their accounts support Apple Pay and which don’t. Some banks allow it for credit and debit cards, while others do not.